Fresh carpet, new plumbing, and freshly painted walls — for $2,000 down and $650/month in Mount Vernon, Illinois. The heavy lifting has been done on this one.

905 S 23rd St is a 2-bedroom, 1-bath home in the 62864 zip code, owner financed at $60,000. At 1,000 square feet, the layout is comfortable and functional for a first-time buyer, a couple, or anyone looking for a low-maintenance ownership opportunity in southern Illinois. The bedrooms have new carpet, the plumbing has been replaced, and the walls are freshly painted — three items that represent real money and real work already completed before you take the keys.

The one item that needs attention is the kitchen cabinetry, which requires work. That's disclosed upfront and it's the only known cosmetic item outstanding. For a buyer with even basic DIY capability, cabinet work is one of the more manageable projects on the list of things a home might need.

Mount Vernon sits at the crossroads of I-57 and I-64 in southern Illinois, making it a practical base for commuters moving between St. Louis, Carbondale, and the broader southern Illinois region. It's a small city with a stable local economy, a regional medical center, and the kind of quiet residential character that draws buyers looking to own without the overhead of a larger metro.

$2,000 down. $650/month. No bank required.

Owner financing available — no traditional bank required.